190 South Warner Rd. | Wayne, PA 19087

 1-800-523-5545

• New Products
• Commercial Liability
• Liquor Liability
• Non Profit Package
• Package
• Personal Lines
• Professional Liability
• Property

• Customer Login
• Home
• CEO Message
• About Us
• A++ Rating/A.M. Best
• News and Events
• Careers
• Contact Us

• Professional Liability
  • Community Associations
  • Corporate Directors & Officers Liability
  • Crime Insurance for Community Associations
  • Employment Practices Liability
  • Medical Providers Employment Practices Liability
  • Non Profit Directors & Officers
  • Personal Lines Insurance Agents Professional Liability
  • Property Managers Professional Package
  • Public Officials for Special Service Districts
  • Real Estate Agents Professional Office Package
  • Recruiters Professional Liability Package
  • Specified Professions Professional Office Package
  • MicroTek Pak
  • Technology Professional Liability Package

Employment Practices Liability

Voted the #1 Employment Practices Liability Product in a recent nationwide survey of agents and brokers, this product offers protection against a host of employment exposures.

Product Features

• Fair Labor Standards Act (FLSA) - $100,000 sub-limit for defense costs and loss (available in most jurisdictions)
  
• Defense and Settlement Provision (Hammer Clause) softened to cover 75% of defense costs and loss after insured’s final refusal to consent to settle a claim
  
• Defense Outside the Limit up to 200 employees if a $500,000 limit or higher is chosen
  
• Full Prior Acts coverage for claim-free accounts for most states and classes
  
• Punitive Damages with most favorable venue wording included in the definition of Loss (available in most jurisdictions)
  
• Front and Back Pay included in the definition of Loss
  
• “For” wording applies to Bodily Injury/ Property Damage exclusion
  
• Wrongful Act definition expanded to included coverage for the negligent violation of the Uniformed Services Employment & Reemployment Rights Act (USERRA)
  
• Independent Contractors are included in the definition of Employee
  
• Full Severability
  
• Spousal Liability extended to Domestic Partners
  
• Final Adjudication wording for fraud exclusion
  
• Defense costs coverage for express breach of employment contract
  
• Retaliation carve backs for many exclusions
  
• Defense costs coverage for claims involving the modification of real property

Additional Advantages

• A.M. Best rated A++ carrier
  
• 3 Year policy available for most classes and states
  
• Optional Third Party Discrimination and Harassment coverage available for most classes
  
• Extended Reporting Periods of 1, 2, and 3 years available for 50%, 100% and 150% of the annual premium
  
• Free human resources consultation HELPLINE service with unlimited calls and no time limits
  
• 50% discount on PeopleSystems online Sexual Harassment Prevention Training
  
• Competitive pricing
  
• Timely responses to all inquiries and submissions
  
• Efficient and fair payment of claim
  
• Technical competence

Home | Sitemap | Fraud and Privacy Policy | Contact Us

©2008 United States Liability Insurance Group.   All Rights Reserved.

190 South Warner Road    PO Box 6700    Wayne, PA 19087